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Wise

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Verified working Aug 6, 2026

Multi-currency accounts and transfers for people moving money abroad.

Wise is a financial account for holding, converting, sending, receiving, and spending money across countries. It combines international transfers, local account details, a debit card, business tools, and platform APIs for organizations that need cross-border payments.

Why it stands out

  • Combines money transfer, everyday spending, and receiving local account details in one account rather than only offering remittances.
  • Shows route-specific fees and exchange amounts before sending, with many transfers arriving very quickly.
  • Supports both individuals and businesses, plus infrastructure products for banks, marketplaces, travel platforms, and other enterprises.
  • Broad international footprint: 40+ currencies, 150+ countries, and card access at millions of ATMs.
  • Business features go beyond simple transfers, including team finance management and accounting software connections.

Good to know

  • Transfer fees still apply and vary by route, amount, and currency.
  • Not every transfer is instant; the page says over 70% arrive in under 20 seconds, so some take longer.
  • Wise Assets returns are variable and not guaranteed; the page notes that money can decrease in value in certain market conditions.
  • Feature availability may depend on country, currency, account type, and eligibility checks.

Under the radar: For larger transfers, check the quote flow carefully: the page notes discounted fees for amounts over 20,000 GBP or equivalent, so splitting a large payment could be worse than sending it as one transfer.

Photos

Illustration for Wise